Design is fundamental to customer experience.
I once transferred 40L to tax dept, instead of 4L, just because HDFC has a 💩 website and didn't display txn amount in text/commas. Took me a looooong time to get that back.
Design is communication.
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@GabbbarSingh
Pretty straight forward
@championswimmer
The process is super simple:
1. Prove you made the payment.
2. Prove the money you made was from legit means.
3. Prove that every doc for the tax id against which you made the payment, is valid.
4. Prove no pending dues, incl in your personal tax.
...
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@amodm
😎, agree! Curious as to how looooong was long - have my own interesting refund stories too!
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@SundarSrik
Close to a year IIRC. AFAIK, the only reason it got closed was because a formal complaint requires to be acted within a certain deadline.
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@gvpmahesh
buri nazar issue is applicable only to those with some money in their a/c
10L - my lowest investment cheque size ever - because that's all the available cash I could gather (short of breaking my investments), including borrowing from wifey.
But I just *had* to get into this one.
Also, my banker hates me.
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@amodm
This is exactly what happened with me for a smaller quantum. Running around the IT dept now, to get the excess amount refunded.
Any suggestions will be much appreciated! 🙏
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@shrynsh28
If you give a complaint in writing, and get an ack, there's supposed to be a time limit under which it's supposed to be wrapped up (or you given a notice). At least that's what I was told. YMMV. Best to talk to a person who visits these offices regularly (saw a few of these).
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@20Compounder
सरदार खान, वो समय अलग था, उस समय हम मूर्ख थे। ये समय अलग है, अब हम महामूर्ख हैं, पर इस क्षेत्र में नहीं।
“Money Wise” from
@deepakshenoy
is such an awesome read.
Every single trick the market uses to make a fool of you, felt personal. I just wish I had this book much earlier in my life. Had to learn most of these the hard way.
But he makes it fun enough to not feel wretched.
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@amodm
Right premise, 💩 example. How can you transfer a wrong amount when there are at least 2 checks (confirm page and then otp)? Design can never protect a careless customer.
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@shantanukd
Incompetence is never under question when it comes to me 😎.
In my defence though, your assumption abt the workflow is incorrect. Retail payment vs tax challan workflows used to be (still are?) different in HDFC. You're talking abt the former, I'm talking abt the latter.
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@amodm
Did you take all your banking relationships away from hdfc bank after this experience or not
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